Knowledge Base
ChargeMate is a chargeback management company. This knowledge base covers everything merchants need to know about disputes, reason codes, and winning strategies.
73 guides covering every Visa, Mastercard, Amex, and Discover reason code with dispute strategies.
Step-by-step strategies for winning chargebacks across all card networks.
Proven tactics to reduce your chargeback rate before disputes are filed.
Learn how outsourcing chargeback management can save time and increase win rates.
Definitions for every chargeback term: reason codes, representment, retrieval requests, and more.
Calculate how much revenue you can recover by fighting chargebacks instead of accepting them.
Free BIN lookup tool - identify the issuing bank, card type, network, and country from the first 6–8 digits.
Calculate your Visa VAMP ratio (TC40 fraud + TC15 disputes) and see if you breach the 1.5% Excessive threshold.
Check your Mastercard SMMP combined rate (refunds + chargebacks). Triggers Mastercard's scam merchant program at 5%.
Estimate your Mastercard MCMP chargeback fine exposure by month and tier - before your acquirer sends the bill.
See how your dispute ratio would have looked under the old Visa Dispute Monitoring Program - plus your current VAMP position.
Compare your fraud ratio under the old Visa Fraud Monitoring Program against your current VAMP combined rate.